[Jewelry making - Article 01681] - Re: [Orchid] Mail theft claim

[Daniel R. Spirer]

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>     how do you show proof of contents? 

    Well in most cases an invoice or copies of memos that state the
    contents is enough. In the case of something like scrap metal it
    gets a little trickier but the suggestions from some to take
    pictures, combined with a statement about your normal payouts would
    work. The thinking goes like this: You wouldn't bother to insure the
    package for X amount if X wasn't in there (and you usually can't
    steal your own package). Therefore they have to assume that what you
    put in the package is worth what you are claiming. However the
    ultimate goal of any insurer is to NOT pay out any more money than
    they absolutely are forced to. So the onus is on you to prove the
    VALUE of what you put in the package, but not necessarily that it was
    actually there (although I imagine a history of repeated high value
    claims of missing packages would generate some closer attention to
    you by the insurers). 

Daniel R. Spirer, G.G.
Daniel R. Spirer Jewelers, LLC
1780 Massachusetts Ave.
Cambridge, MA 02140
www.spirerjewelers.com
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